Will there be any penalties on me for mom's debt?

Well I had to open an account under her name but in my name also kind of (just that I couldn't declare it my very own because my ID wasn't made yet).

Now that my ID came in I want to go make it my very own account. The thing is my mom hasn't been paying her debt for certain reasons and so now they told her she has until Dec. to make another account or something or else they are draining all her accounts (and I'm under her account as a student account).

When I try to remove my mom's name from my own account will they still let me even though it's primarily under my mother's account (making mine almost like a sub-account) and she's avoiding payments? Will they be able to stop me from doing it? I want to so if they do drain the accounts, mine won't be affected.

Please help as I have trouble understanding how banks work! (btw we use Bank of America)

Thanks!

Yes and they can take all the money out of your account. Drag mom down to the bank to close that account and open one in just your name

Just close the account and open a new one in your name only. That's what they do anyway when you want to remove one person from an account they give you a whole new account.